Author: Federico Schramel

Major differences between best SIP plans and Fixed deposits.


These days, there are several investment options for a common investor and it becomes difficult for him to choose the right strategy. SIPs and FDs sound very much the same and it becomes confusing for the first time investor.

This article will list the major differences between these two financial instruments.

What is a SIP?

When you invest systematically over a period of time, this plan is called an SIP. You can choose any amount in your SIP plan, it can be Rs. 500 per month or 5 lacs. Your instalment depends upon how much money you can spare for a SIP plan.

Fixed Deposit

In a Fixed Deposit or FD, your deposit is fixed for 6 months , 12 months or 18 months. Once you have committed a certain sum of money for a particular period, then you don’t have to worry about making regular deposits. As we have seen above, in a SIP, you should make regular deposits.

Major differences

  1. The first major difference is the one related to rates or yields.

In an FD, the rate of interest is fixed and you know your return after the term is over. For example, when you invest a sum of 10,000 rupees for 12 months at the rate of 5%, then you know that after those 12 months, you will get 10,500 rupees.

The yield of an investor varies in an SIP. When you invest in that scheme, the fund manager reinvests that money in those equity or debt instruments which he thinks are outperforming the market. He may be right or wrong in his calculations and therefore, an SIP investor may or may not get the desired results. Please note that when you make SIP deposits, your yields may fluctuate; you have no reason to control the reasons for those fluctuations.

  1. Nature of investors

FDs are meant for conservative investors i.e. those people who are risk averse. These people avoid taking risks and would like to settle for lesser yields or returns.

On the other hand, an SIP is preferred by both the conservative as well as the aggressive investors. Typically, investors who are flush with funds choose SIPs. They have a high appetite for risk and won’t mind losing money in the short or medium term.

Conservative investors also prefer SIPs. The beauty of investing in best SIP plans is that it matches your financial strength (disposable income), and risk taking ability. So if you have very less cash to spare, then choose the right SIP.

  1. Nature of returns

The returns generated from a Fixed Deposit are based on interest alone but in the case of an SIP, they are dependent on dividends and capital gains.

As seen earlier, when you invest 10,000 rupees for 12 months @5%, you get a yield of 500 rupees.

In the case of an SIP, you are rewarded through dividends or capital gains. You get a part of the profit of the investee company by way of dividends. When …

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5 Risks to Avoid When Applying for a Loan against Property

When applying for a loan against property, you must keep a few things in mind, like your profile and the bank’s eligibility criteria, papers of the property to be mortgaged, other documents, and a lot more. To prevent rejection of your loan application, you must fulfil the requirement by the loan-provider. This is why you must be well aware of the loan scheme before trying to avail the same.

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Here are details of some of the risks and mistakes to avoid when making a property loan application.

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The age of the property and its condition will determine the loan amount and tenure. The less old the property, longer the tenure you can attain. For instance, if the house is 15 years old, and the age cap for an eligible property is 30 years, then you can avail the maximum tenure of 15 years. If the house is 20 years old, then maximum tenure could be up to 10 years.

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Older properties may grant a lower loan amount, than the newer properties. However, if an old property is well maintained and necessary reconstructions and renovations are done, then you can avail a better loan amount and tenure.

  1. Missing Property Approval Documents

Many applicants have all the property documents, except the ones of government approvals. Age-old properties need to be updated in regards to property documents and approvals. Many times, people do not bother applying for approval documents and at time of loan application, they do not have sufficient papers to submit.

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How can technology help you to keep a track of all your small loans?

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The introduction of apps

Most of the lenders who offer small loans nowadays have their app for helping the borrowers keep better track of their loans. The apps help the borrowers to clarify different doubts and queries that they have, and the customer service representatives help them with the answers. One can also know the various other initiatives, offers, and discounts offered by the company through these apps.

Knowing the market conditions

There are also many other websites and apps that help you know the market conditions regarding the proper timing and interest rate of the small loans. It is important to note that many of the lenders do not keep fixed interest rates. Their interest rates vary according to the conditions of the market. In such a scenario, you can keep track of the market to know the proper timings for availing the loans, which will keep you in a profitable position.

Using the chatbots

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Getting email and text notifications

Keeping track of the loans have become even easier thanks to the facilitation of emails and text notifications by the lenders. The borrower just needs to turn on the notifications from the bank at the time of application. All the details of money transfer and reminders will come directly to your inbox along with any new offers and proposals to keep you updated about your account. You can Visit this website to know more.

Introduction of the cloud technology

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The future of using technology for tracking the loans

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In addition, world wide web organizations realise that they need a lot more sources of income given that some of them provide stock possibilities for their workers when needed to give them compensation. Cash management is the process of managing the money flow and liquidity of a firm and management of processes and risks related to money flow and capital optimisation. Now with the rapid popularity of smart-phones major to its in depth use it will be fool-hardy not to offer the business solutions via these iPhones and iPads.

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The cash-in-transit industry is growing at a rapid pace across the world, as the number of ATMs increases exponentially. Already, around 80-85 percent of consumer transactions globally are performed using cash. According to ATM industry statistics, the cash-in-transit services market was valued at $ 17.8 billion in 2016 and is predicted to grow at a CAGR of 6–8 percent.

Cash-in-transit (CIT) vehicles are used for the physical transfer of cash and other valuable items from one location to another. In developed nations opting for cash transactions has become popular as a way to avoid credit card debts, while in developing nations increased earnings has given more cash to the public; resulting in the use of physical cash in both cases.

Growing Number of ATMs

The number of ATMs across the world has increased at a rapid rate, with the highest number of ATMs per 100,000 adults reaching 230 in 2017 in Canada from 184 in 2004. After Canada, the highest ratio of ATMs per 100,000 adults is in Portugal (167) and Australia (139).

The boost in technology and urbanization has also led to an increase in the establishment of ATMs, especially in rural areas. While China and India are considered to be the fastest growing markets for ATMs, they are already well-established in markets such as South Korea and Japan

ATM and CIT Industry Connection

There is a direct correlation between the growth of ATMs and the cash-in-transit industry, as the CIT industry plays an important role in supplying the ATMs. Wherever more ATMs are set up, whether in a rural setting or cities, CIT support is required to ensure that the ATMs are stocked and can provide users with cash.

Apart from simply delivering cash from one point to another, the cash-in-transit industry also has a task of adhering to banking regulations and maintaining the security of their cargo.

Importance of CIT

An increase in crime rates led to the outsourcing of cash handling services to specialist providers who can transport the cash in a more secured process. Apart from specialized vehicles and personnel, the CIT industry also uses continuous technology implementation by concealing tracking devices amongst the cash which can alert security personnel in case of theft and also aid in asset recovery.

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Challenges for CIT

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